UniPay Gateway Payment Advice

EMV Transaction FallbackEMV fallback transaction is an important concept, allowing companies, which accept card payments, to make the process of handling of EMV cards more flexible. EMV standard was introduced to make card payments more secure. However, in some cases EMV card chip cannot be read by the payment terminal. For instance, either the chip itself or the EMV card reader may be damaged in some way.
When the chip cannot be scanned, the...Read more…

Handling Interac Payments in CanadaIf you are planning payment processor or payment gateway integrations in Canada, you have to keep in mind that you will need to implement special logic. Implementation of this additional logic is required by Interac Association, the major Canadian inter-bank debit network. Particularly, the new functionality, required by Interac network, is related to the mechanisms used in Canada for processing of card-present and card-not-present debit card transactions.
To handle card present...Read more…

Split Funding as the Advanced Payment Gateway OptionSplit funding is one of the most important concepts in the modern merchant services industry. The need for split payments, naturally, arises when the process of purchase of products or services involves some entities beside the seller and the buyer. Even initially, these entities already included resellers, independent sales organizations (ISO), and merchant services providers (MSP). However, in modern market, the new concepts, such as convenience fees, merchant services reserves,...Read more…

Get The Features You Deserve From Your Terminal SolutionYou deserve the fullest possible range of features, so you must exclude terminal solutions that don’t offer you all the features you want. Terminal software is available to fully meet your needs. While not every terminal solution is the same, you can choose payment terminal software that goes beyond simply powering the payment terminal. You can find something that provides all the related payment services you need to run your...Read more…

Understanding Reasons Merchant Accounts May Be DeniedGetting a merchant account can be hard for some startups, especially in certain fields of business. When a merchant account application is denied, there are usually specific reasons, and being denied means having to deal with higher processing fees from companies that will take high-risk merchants or not being able to take credit and debit cards at all. Merchant bank and acquirer companies don’t make it easy for some companies.
When...Read more…

Embedded Or Non-Embedded Terminal Solution?Understanding the difference between an embedded and a non-embedded terminal solution can make it easier for you to make an informed and intelligent decision. Terminal software isn’t all the same. So which of today’s terminal solutions is right for you? A payment terminal can be a slave to a master program that runs it. This approach, called a non-embedded terminal solution or a local footprint solution, enjoys wide acceptance in...Read more…

Consider Integrated Payment Solution for Your BusinessWhen software companies offer integrated payment solutions, they’re effectively giving merchants a much-needed break. Integrated payments mean much less duplication of effort, and that means everyone saves time, money and other resources in the long run. And just as important, other things are easier when there’s a single point of integration, including PCI compliance. Payment processing is complex enough as it is, and there’s no reason to duplicate effort and...Read more…

Changing Processors Is More Complex Than EverFor a payment service provider, changing processors is a more complex undertaking than ever before. Moving from one payment processor to another must involve consideration of things like onboarding integration, plus chargeback handling and much more. That’s because processors offer more than ever before.
When you fully understand the modern processor migration process, you’re in the best position to make a decision about when and if you should change processors. Every PSP...Read more…

Ready To Be Your Own Payment Service Provider?Becoming a payment service provider is possible, but let’s be realistic: it’s a big task. Still, becoming a PSP is something your company can accomplish if you take it step by step and make the right decisions along the way. Payment service providers must deal with complex legal, governmental and budgeting issues and must establish strong banking relationship, but there are some shortcuts available.
More information about becoming a PSP is available...Read more…

Internet-acquiring and omni-channel payment platforms When we are talking about an omni-channel payment platform, we mean that the platform provides a wide variety of services, related to processing of different kinds of payments. Omni-channel payment processing systems are most suitable for merchants, who both have online presence and accept payments through physical outlets.
An online business, trying to get a merchant account, or a merchant, working only in e-commerce industry, does not necessarily have to look...Read more…

How Software Companies Ease Customer Frustrations With EMVEMV terminals can be very frustrating for customers, but software companies can play a role in easing these issues by setting an optimistic example. It also helps when the terminal software provided by a software company is as easy to use as possible too. Customers had gotten accustomed to traditional payment terminals after using them for years, but today’s EMV payment terminals are different. And often, the EMV technology isn’t as...Read more…

Switch To Cost Plus Billing To Save On Credit Card Processing FeesCredit card processing fees can be a major expense for many companies, but switching to cost plus billing can help you save. By reducing payment processing costs, you can improve your company’s bottom line. While the savings may be small, the more transactions you have, the more you can save. Blended rate processing may be the simplest to understand, but it may not be offering you the low credit card...Read more…

Commercial Open Source Software Makes Sense In At Least 5 WaysWhen you need a solid payment processing system you can manipulate to meet your specific needs, it may be time to consider an open source payment gateway. When you choose an open source payment gateway solution, you’re choosing flexibility as well as modern features that you may not get from older or proprietary products.
If you aren’t familiar with the many benefits of open source software, you can learn about at...Read more…

Is Your Legacy Payment System Failing You?Open source software can make it easier than you ever thought possible to replace your failing and patched legacy payment software with something robust and adaptable. Choosing an open source payment gateway can help you take control of a difficult situation without having to hire a complete team of programmers and invest a great deal of resources in a solution that you will have to create and test on your own,...Read more…

EMV payment terminal cloud demystifiedPayment terminal cloud is an innovative concept in the merchant services market. Thanks to non-blocking input\output technology (NIO), it is now possible to create terminal clouds, sometimes involving thousands of payment terminals, connected to the server.
Traditional non-embedded (and many embedded) payment terminal solutions required direct communication between the POS application and the payment terminal. Now it is possible to implement a payment terminal solution, similar to chat programs. In this...Read more…